Financial Planning

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Planning for All Stages of Life

An individual’s financial plan is the piece that holds all of the other financial topics together. When building a home, you wouldn’t get started until you had the home’s blue-prints established. The same goes when piecing together your financial future. The blue-print related to your finances is your personal financial plan. Your plan should explain pertinent details of your financial goals and strategies. As life goes on and your dreams and goals change, so should your financial plan.

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Financial Planning Process

  • – Establishing and defining the client-planner relationship
  • – Gathering client data including goals
  • – Developing and presenting recommendations and/or alternatives
  • – Implementing the recommendations
  • – Monitoring the progress

Financial Planning Services

Financial Planning Services

  • Collection and analysis of financial data
  • Retirement planning
  • Social Security maximizer
  • College education planning (if applicable)
  • Asset allocation & risk tolerance review
  • Estate & charitable planning
  • Risk management & insurance needs
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  • Optional asset management services
  • Integrating corporate sponsored compensation & benefit plans into your financial plan
  • Working with other professionals (ex. CPA or Estate Attorney) to align your financial goals
  • Preparation of a financial plan document and/or collateral materials for the financial planning items indicated above twice per year
  • Access to our client portal – view all of your accounts, liabilities, credit cards, spending/budget, etc. in one place!
  • Advising with Integrity and Trust. Your Interest is our Only Interest!

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

Securities offered through Cetera Financial Specialists LLC (doing insurance business in CA as CFGFS Insurance Agency), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera entities are under separate ownership from any other named entity. 

This site is published for residents of the United States only. Registered Representatives of Cetera Financial Specialists LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site,visit the Cetera Financial Specialists LLC site at

Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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